The 3 they are dealing with are an M&S loan (£4.5k) credit card (£3k) also an egg loan (3.5k).
Two debts are just an arrangement between me & them, one is £850 the other around £5.5k
There are then 3 other ccjs, barclaycard, Halifax & cahoots originally but dealt with via debt collectors.
I'm keen to put an end to it all & ideally want to settle them, just not sure why they would £1 per month instead of a lump settlement. My finances haven't changed and the court kept it at £1 per month when restons took me to court a couple months ago. They didn't turn up & gave no evidence.
I should also add that settlement will be via a gift from a family member.
Having looked into it, the M&S CCJ claimant listed is arrow. The egg one the claimant is egg so could I go back to them?
The more I dig into it the worse it gets. They have been to court for the CCJ M&S credit card last month & ive received no paperwork from them, but they have my correct address because they corresponded about the loan. How is that possible? They've got a judgement for a full payment as I wasn't able to respond